HealthFirstPackage of Protection · Comparison Tool
★FREE Agent Website, Digital Business Card & Booking CalendarFREE Website, Card & Calendar
From the intake — edit on the Intake step.
● Client Intake
Check what the call filled in, add anything missing, then hit Build Quote — it recommends Good / Better / Best from these answers. ← Back to the call
Who needs coverage
Client Information
What’s behind it click any
Spouse Information (to expand, select Spouse under “Who needs coverage” above)
Children (to expand, select Children under “Who needs coverage” above)
Medications — look up best price: SingleCare ↗ GoodRx ↗ Cost Plus ↗
ACA copay fills itself as an estimate from the bronze averages: a drug sold as a generic ≈ $25/mo; a brand-only drug counts toward the deductible, so it uses the discount price until you type the real figure. Check the drug on HealthSherpa and type over it. Current copay = what they pay now on their current plan. Discount = the cash price from the links above.
MedicationRxACA copayCurrent copayDiscountPS
ACA copay total: $0.00Current copay total: $0.00Discount total: $0.00
Conditions — the medications usually tell you these; confirm each one
ConditionPS
GLP-1 — Ozempic, Wegovy, Mounjaro, Zepbound, Saxenda and the rest of that family
Health & Routing
Family history of cancer? Family history of heart attack / stroke?
Tobacco use? Needs maternity? Mental health coverage needed? Surgeries / hospitalizations (past 2 yrs)? Care a doctor recommended, not done yet?
Decline: insulin (last 5 yrs) or juvenile-onset · >2 oral meds · diabetic complications
Current Insurance — what they have today, if anything · procedure prices: MDsave ↗ FAIR Health ↗
ACA / Marketplace — estimated from state, ages, household and income · confirm on HealthSherpa ↗
ACA bronzeEstimateHealthSherpa ↗ / actual
True cost — monthly—
True cost — annual—
Finances & Retirement
* Protected means the money sits somewhere a market drop can't reduce it. Most investment accounts are not — 401(k)s, IRAs and brokerage accounts are exposed to the market, so leave this unchecked unless you've confirmed otherwise.
Protected = already out of the market. Eligible for SRA = available to move into a Secure Retirement Account (e.g., an old policy, not a current-employer plan). Reserves under ~6 months of income → stronger case for living benefits / accident.
Budget & Notes
What the savings on the quote are measured against.
Green = good Yellow = fine Orange = look out / dig deeper Red = possible major challenge
Recommends the fullest tier that still beats their current cost.
● Ballpark estimate — full package per tier; AFC from the rate guide; not the final quote
Before you present: confirm on the Intake that the client's doctors were checked against the First Health network and their medication prices were looked up. Don't present the savings below until both are done.
Your ACA / Marketplace PlanThe plan they have — or would buy on the exchange
Look up their real Bronze plan and subsidy on HealthSherpa ↗ and enter it on the Intake.
Monthly premiumFrom HealthSherpa / HealthCare.govest.
est. = estimated from 2026 state averages — your exact plan may differ.
Annual deductibleest.
Annual out-of-pocket maxest.
Medications (per month)est.
Doctor visits / year (you + family)
Average co-pay per visitest.
Annual premium
—
Deductible impact / monthdeductible ÷ 12
—
Office-visit co-pays / month(visits × co-pay) ÷ 12
—
TRUE COST — Monthlyest.
—
TRUE COST — Annual
—
VS
Package of ProtectionPick a plan from the dropdown or type a custom one — edit prices from your ARC quote
Living BenefitsPays the client cash on critical / chronic / terminal illness
Rx benefit / day (this plan)daily prescription allowance for this tier
Medications (net / mo)discount total (from intake) − (daily benefit × 30)
—
Package monthly (incl. meds)
—
Package annual
—
Limited-benefit indemnity plan — not major medical. First-dollar, fixed-benefit design.
POP Score — how completely this package protects you, weighted to your health & family history
YOUR SAVINGS vs ACA
Monthly
Annual
ACTUAL — premium vs premium
—
—
TRUE COST — with ACA deductible included
—
—
ACTUAL = premium vs premium. TRUE COST = once the ACA deductible & co-pays are included — the real gap.
TFRA — Tax-Free Retirement Account · optional savings option, not related to your Healthcare Package of Protection
TFRA — monthly contributionSet 0 to hide it from the comparison.
TFRA — note
Approximate cash value
10 years
20 years
30 years
These numbers are approximate based on market returns.
Legacy protection
Day one
25 years
Amount paid to their family.
INCLUDING ADDITIONAL PROGRAMS
 
Monthly
Annual
P.O.P. + TFRA
—
—
Still ahead vs ACA
—
—
Even after funding the TFRA, this shows whether the client still spends less than the ACA plan.
Your next step
Put your savings toward your future — TAX-FREE

You save now
$—
That’s a year
$—
Over 20 years
That’s the money alone, sitting still. In a Tax-Free Retirement Account it doesn’t sit still — ask me what it actually becomes.
Ask me how to use your savings to build your future — tax-free
average reduction % only on bills over $ We default to a conservative 40%, but the percentage is adjustable — Manhattan training cites average savings around 62% (CareGuide publishes no average and doesn’t guarantee savings). On Client View each example has its own On / Off button.
Example 1
Example 2
● Send the quote
Not enrolling today? Send them this quote — email it, or print / save it as a PDF.
1
When is your follow-up? Optional — book it in your time zone () and it converts to the client’s automatically; the email gives them their own time (“tomorrow, Thursday, at 5:00 pm your time”). Leave it blank and the email says you’ll follow up in the next day or two.
2
Print / save the PDF quote. Save it, then check the box — the email says “attached” only once you have.
3
Send it from your email.
“Gmail” / “Outlook” open the web compose window with everything filled in (no setup needed); “Email to client” uses your computer’s default mail app and also copies the letter to your clipboard as a backup. Attach the PDF you saved in step 2.
💾 Save Quote/Package of Protection when you’re done — it keeps everything collected here; Load Quote brings it all back later.
● Enroll
In call order: the life application first (it has the health questions), each person’s details, the finish — then the health carriers after the call.
3 Wrapping things up
5 Agent follow-ups & circle-backs
Agent — Items to Follow Up
Checked items save with the quote. Prompts appear automatically based on what you captured.
Helpful links
ManhattanLife — BBB Profile (A+ rating, accredited since 2013) ↗
Once the carrier approves it → the Benefits Review call.Fifteen minutes before the effective date: the premium and draft date, then portal, telehealth, the app and CareGuide registered while you're on the phone.
For agent use. Figures are estimates from your inputs; confirm exact benefits in the policy / ARC. ManhattanLife plans are limited-benefit, not major medical.